Free Money & Investing Calculators
These free financial calculators cover saving, investing, retirement accounts and borrowing. Each one shows the formula and a year-by-year or step-by-step breakdown, and year-specific limits (such as 2026 Roth IRA and RMD rules) come from official IRS publications.
All 8 money & investing tools
Compound Interest Calculator
Free compound interest calculator with monthly contributions. See your final balance, total interest and a year-by-year table for any compounding frequency.
🏦401(k) Calculator
Free 401(k) calculator: project your balance at retirement from your salary, contribution rate, employer match and expected return, with the 2026 IRS limit applied.
💸Dividend Calculator
Free dividend calculator: see your annual dividend income now and in future years, with reinvestment (DRIP), dividend growth and share price appreciation.
🧓RMD Calculator
Free RMD calculator for 2026: enter your IRA or 401(k) balance and birth year to get this year's required minimum distribution from the IRS Uniform Lifetime Table.
🏠Debt-to-Income (DTI) Ratio Calculator
Free debt-to-income ratio calculator: get your front-end and back-end DTI from your income and monthly debts, and see what mortgage lenders will accept.
🌱Roth IRA Calculator
Free Roth IRA calculator: project your tax-free balance at retirement and check your 2026 contribution limit ($7,500, or $8,600 at 50+) with the income phase-out.
🏛️CD Calculator
Free CD calculator: enter your deposit, APY and term in months to see the certificate of deposit's ending balance and interest, with APR to APY conversion.
🏷️Discount Calculator
Free discount calculator and percent off calculator: get the sale price and savings for any % off, stack an extra discount, add sales tax or find the % off.
Money & investing guides
All guides →What is a good debt-to-income ratio? Lower is better; 36% or less is comfortable for most lenders, and mortgage limits range from 43% to 50% of gross income.
Roth IRA income limits for 2026: the $7,500 limit phases out at $153,000–$168,000 MAGI for single filers and $242,000–$252,000 for joint filers.
The 2026 RMD table: IRS Uniform Lifetime Table distribution periods by age, plus the formula (prior Dec. 31 balance ÷ factor), deadlines and penalties.
How to calculate hourly rate from salary: divide annual pay by hours worked per year (2,080 for full time). Includes a salary table, reverse formula and PTO.
CD vs high yield savings: a CD locks a fixed rate for a set term with early withdrawal penalties; high-yield savings stays flexible at a variable rate.
Money & investing terms explained
Glossary →- Annual Percentage Rate (APR)
- Annual percentage rate (APR) is the cost of credit expressed as a yearly rate; for many loans it combines the interest rate with certain fees charged when the loan is made.
- Annual Percentage Yield (APY)
- Annual percentage yield (APY) is the total interest a deposit account pays over a 365-day period, expressed as a percentage that includes the effect of compounding.
- Compound Interest
- Compound interest is interest calculated on both the original principal and the interest already added to it, so the balance grows faster than it would with simple interest.
- Debt-to-Income Ratio (DTI)
- Debt-to-income ratio (DTI) is the share of gross monthly income that goes to monthly debt payments; lenders use it to judge whether a borrower can afford another loan.
- Modified Adjusted Gross Income (MAGI)
- Modified adjusted gross income (MAGI) is adjusted gross income with certain deductions and exclusions added back; the IRS uses it to test eligibility for Roth IRAs, credits and deductions.
- Required Minimum Distribution (RMD)
- A required minimum distribution (RMD) is the minimum amount the IRS requires you to withdraw each year from most tax-deferred retirement accounts once you reach RMD age, currently 73.
Frequently asked questions
Are these financial calculators free to use?
Yes. Every calculator is free, needs no account, and runs in your browser, so the numbers you enter are not sent to a server.
Where do the contribution limits and tax figures come from?
Year-specific figures such as IRA contribution limits, income phase-outs and the RMD Uniform Lifetime Table are taken from IRS publications and news releases, and each guide links to its source.
Is this financial advice?
No. The calculators and guides are educational tools that show how the math works. For decisions about your own money, consult a qualified financial professional.